USDA and FHA Pro and Con in Piscataway, Middlesex County, NJ
In 2026, the USDA loan cap in Piscataway, Middlesex county, NJ, is $776,600. On the other hand, the FHA limit for a single-family home stands at $1,089,300.
Lendersa® provides a USDA loan calculator for comparing today's prime USDA and FHA rates. Evaluate necessary qualifications—income, credit, reserves, and documents. The advanced mortgage calculator displays USDA, FHA, Conforming, and VA loans side by side for easy decision-making within .
Loan Limits and Down Payment Requirements for 2026 in Piscataway, Middlesex, NJ
Loan Type
Loan Limit
Down Payment
USDA
$776,600
0%
FHA
$1,089,300
3.5%
Conventional Conforming
$1,089,300
3%
USDA and FHA Loan Choices in Piscataway, NJ
Lendersa® aims to quickly and effortlessly secure the best USDA or FHA loan possible. Choose one of three paths to connect with USDA loan programs and matching lenders.
A USDA loan, backed by the U.S. Department of Agriculture and also known as a USDA mortgage or rural development loan, is exclusively for rural locales. Unlike FHA loans requiring a minimum 3.5% down payment, USDA loans need no initial payment.
First National Bank is a $382 million community bank that offers a full line of business, agricultural, mortgage, consumer deposit and lending services as well as wealth management services. First National Bank has offices located in Creston, Afton and Shenandoah. Visit www.fnbc.bank/about/locations to find a location near you! Member FIC.
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